Car title loans in Phoenix, AZ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Phoenix, AZ.
The median household in Phoenix earns $81,332 a year, about the same as the Arizona median of $79,964. About 14% of residents live below the federal poverty line, and 42.7% of households rent their home. 6.6% of Phoenix households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Arizona law that applies in Phoenix
| Rate cap | Maximum monthly finance rate by original principal: 17% for $500 or less; 15% for over $500 to $2,500; 13% for over $2,500 to $5,000; 10% for over $5,000. |
|---|
Full rules with statute citations: Title Loans in Arizona. Cities in Arizona cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Phoenix
Most Phoenix applicants can finish in one sitting if they have these ready:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Phoenix
What Phoenix borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a title loan in Phoenix
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Banks and credit unions in the area
Credit unions in Phoenix
70 credit-union locations from 33 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 10810 N Tatum Blvd Ste 114, Phoenix 85028 |
| American Airlines | 3800 E Sky Harbor Blvd Terminal 4, Phoenix 85034 |
| Sunwest | 4141 W Thunderbird Rd, Phoenix 85053 |
| Vantage Point | 19825 N 7Th St, Phoenix 85024 |
| Em | 2223 E Magnolia St, Phoenix 85034 |
| Navy Federal Credit Union | 1928 E Highland Ave, Phoenix 85016 |
| Pentagon | 3003 N Central Ave Ste 1600, Phoenix 85012 |
| America First | 2141 E Camelback Rd Ste 105, Phoenix 85016 |
| Global | 6020 S 35Th Ave, Phoenix 85041 |
| Desert Financial | 2501 W Happy Valley Rd Ste 34, Phoenix 85085 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Maricopa County · Personal Loans in Phoenix
Frequently asked questions
Can I get a title loan in Phoenix, AZ?
Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
Can I get a title loan with a salvage or rebuilt title?
It's harder, but not always impossible. Many lenders require a clean title, while some will consider a rebuilt title after the car has passed inspection. Salvage titles are rarely accepted because the vehicle's value is hard to confirm. If your title is branded, mention it on our form so lenders serving Phoenix can tell you upfront whether they can help. It takes about 3 minutes.
Can I get a title loan on a financed car in Phoenix?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Arizona will tell you what they can offer.
Can I refinance my title loan in Phoenix?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Arizona rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
How do I get a title loan in Phoenix?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
Can I get a title loan online in Phoenix?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Phoenix title loan request in about 3 minutes.
Do I need to visit a store in Phoenix?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.